What is PAC?

PAC is system generated six digit authentication code. Each PAC is unique and acts as an additional layer of security to protect your banking accounts.
Always treat each PAC with care. Do not share or key in your PAC number without checking these details first!

  • Payee’s name
  • Transaction amount
  • Serial number
  • PAC number
  • Date
  • Time
  • Type of transaction

Remember: The PAC number is never required at PBe’s login page.

When is PAC required?
You will receive a PAC via SMS when you are performing the following transactions:
  • PBe Registration
  • Challenge Question Enrolment
  • Device Binding
  • Reset Password, Re-activate User ID
  • Cancel ATM Card
  • Deactivate Credit / Debit Card
  • Activation of Quick Access on PB engage and MyPB App
  • PB SecureSign registration on PB engage and MyPB App
How do I obtain a PAC?
Once you have successfully registered your mobile phone number, a “Request PAC Now” option will be available to you whenever you make the transactions highlighted above.  

Click on “Request PAC Now” and a six digit PAC number will be transmitted to your mobile phone via SMS.  

How do I identify the PAC SMS I received is legitimately from Public Bank?

Public Bank will only deliver the PAC SMS from the following short codes: 

  • 68333
  • 63232
If there are any unforseen service interruptions, you will receive SMS from the following designated short codes instead: 
  • 62000
  • 63633
Please report to the Bank if you received your SMS PAC from other short codes of from a mobile number. 
How do I spot a fake SMS?

You can spot a fake SMS by identifying the following red flags: 

  1. SMS content does not start with PBB/PIBB
  2. SMS content contains a hyperlink
  3. Requests you to download an app or file
  4. Request you to reveal your User name, Password and PAC number
How do I register my mobile phone number?
Kindly visit any of our Public Bank branches to register your mobile phone number.
*Take Note: Should there be a change in your mobile phone number, kindly update your registered mobile phone number at any Public Bank Branch.
Can I use the same PAC for multiple transactions?

No. A new PAC is required for every transaction.

How does PAC work?
  1. Select the transaction you wish to make
  2. At confirmation page, click on “Request PAC Now”
  3. Once you have received your SMS, enter the 6-digit authentication number. Ensure the serial number shown on screen matches the serial number in your SMS.
  4. Upon checking the serial number, enter the PAC number shown in your SMS into the transaction screen.
  5. Click "Confirm" to confirm your transaction.